BAMS Graduate Seeking Recognition: Where Can I Practice as a Doctor?

Ans: No investment can guarantee a 12-15% return per annum.

High returns come with high risk.

Fixed-income products offer stability but lower returns.

Equity investments can give high returns, but they are not guaranteed.

If someone promises guaranteed double-digit returns, it's a red flag. Be cautious.

Assessing Your Index Fund Investments
You have invested in three index funds. These funds track specific indices, so they cannot outperform the market.

Disadvantages of Index Funds:
They lack active management. No expert is handling your money actively.

They follow the market blindly. If the market falls, your investment falls too.

They miss strategic opportunities. A fund manager cannot remove weak stocks.

Market timing is crucial. Since they follow indices, they cannot adjust to volatility.

They do not generate alpha. Actively managed funds aim for better returns.

Your investments in ICICI Pru Nifty Auto, Nippon Nifty 50 Value 20, and UTI Nifty 200 Momentum 30 have underperformed. This is because:

Auto stocks may be in a downtrend.

Value funds perform better in different market cycles.

Momentum funds depend on short-term trends.

These funds are passive, meaning they cannot adapt to market changes.

Should You Continue or Exit?
If you want higher returns, move to actively managed funds.

If you are okay with market-average returns, stay in index funds.

Based on your goal of 12-15% return, it is better to exit these index funds and shift to:

Actively managed flexi-cap funds for diversification.

Mid-cap and small-cap funds for higher growth potential.

A mix of sectoral/thematic funds based on strong future prospects.

How to Invest Your Rs. 1 Crore?
Since you expect high returns, you need a strategic mix.

1. Equity Mutual Funds (60-70%)
Invest in actively managed funds through an MFD with CFP credentials.

Diversify across large-cap, mid-cap, and small-cap funds.

SIP + STP strategy will reduce risk and maximize gains.

2. Debt Instruments (20-30%)
Debt funds can stabilize your portfolio.

Consider short-duration debt funds for lower risk.

3. Alternative Investments (10-20%)
Some exposure to gold ETFs or international funds is good.

Avoid real estate since it lacks liquidity.

Final Insights
Avoid index funds if you want high returns.

Exit underperforming index funds and switch to actively managed funds.

Diversify your Rs. 1 crore into equity, debt, and alternative options.

Do not chase guaranteed returns. Instead, focus on risk-adjusted returns.

Choose actively managed funds through an MFD with CFP credentials to get professional guidance.

Best Regards,

K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: Hello Shyaja.
As per my knowledge, NIT Kurushetra does not offer a dedicated B.Tech program in Robotics Engineering. For dedicated Robotics Engineering programs, consider institutions like: (1) SRM Institute of Science and Technology, Chennai: Offers B.Tech in Robotics and Automation. (2) Amity University, Noida: Provides B.Tech in Robotics. (3) Chandigarh University: It offers a B.E. in Robotics and Automation. Please visit the official websites of these institutions for more details. Thanks
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Radheshyam

Ans: Hello dear.
There are two military colleges, the College of Military Engineering (CME) Pune and the Indian Army (like MCTE, MCEME, or AIT Pune). Entry to these colleges is mainly through the NDA and JEE (Main—for Technical Entry Scheme—TES)) exams. If your son wants to join CME Pune directly, the best way is through TES (JEE Main route) or the NDA exam. For more details, please visit the official website of these colleges. Thanks
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Radheshyam

Ans: Hello K
Sorry to say that the chance of getting a seat in NITs is very low. It is better to tell him to focus more on the 2nd attempt of JEE and appear for the state level engineering examination for a better choice. Thanks
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Radheshyam

Ans: salary income of Rs 9.00 you have to pay approx tax of Rs 41,600.

Ans: hi,
your question is very vast but trying to reply in simple words,
beneficial of tax regime differs person to person as per the type of income and invesments done by the assessee.
however new tax regime is promoted by the government with vast benefits with very low paper works but it doesn't mean that it will be beneficial to all assessee.
I found many cases while filing of Tax returns where old tax regime was beneficial for the assessee.

Ans: hi,
in income tax calculation of tax is based on slabs and tax regime choosen by the assessee i.e. old tax regime with dedutions of chapter VI or new tax regime without deductions.
if i assume that you have choosen new tax regime then your tax liability will be Rs 1,45,600 approx.

Ans: your question is not very much clear but trying to reply you.
your net of tax income will be Rs 4455600 with assumption of salary income & AY 2025-26 in new tax regime,
savings depends on your life style and locations you preferred.

Ans: your total tax payable will be Rs 4,21,200 approx considering AY 2025-26.